Tips for a Mass Mutual Disability Benefit Application Approval & How to Stay on Claim

Most disability insurance policies written by Mass Mutual are individual ones where professionals take out personal disability policies to cover themselves if they are unable to work in their own profession. Our disability insurance lawyers have helped hundreds of individuals to obtain Mass Mutual long term disability benefits. We encourage you to watch our Mass Mutual disability application video for some instant tips that can help get your disability claim approved. Contact any of our disability insurance lawyers for a free immediate phone consultation.

The top reasons why a Mass Mutual disability benefit claim may be denied:

  • Disability insurance claimants do not understand the term “own occupation” and do not adequately explain their specific job duties.
  • Disability insurance claimants do not understand the terms of their policy regarding definition of disability.
  • Disability insurance claimants medical records do not support their claim.

Tips on How to Get a Mass Mutual Long-Term Disability Claim Approved

Mass Mutual has a reputation for being fair but thorough. You need to provide Mass Mutual as much documentation of your medical condition as possible. You must know your Mass Mutual disability insurance policy language and what it says you can and cannot do. Do you have a policy that allows you to continue working in another occupation with no income limitation if you are unable to do the duties of your own occupation? Can you work at another job but with an income limitation? Are you prevented from working at all? These answers will be found in your policy.

Medical Support and a Coordinated Presentation of Information from All Treating Doctors is Essential

It is sometimes difficult to explain to your treating physicians what you require of them, but all your healthcare providers need to be consistent in their reporting. They must say more than that they support your claim for disability. They must be specific about how the disabling condition prevents you from working at your own occupation. Often, our professional clients have had the disabling condition for some time. They may have been working through it for months or years, so Mass Mutual asks, “What changed? Why can’t you work now?” We can usually show that you can no longer work like you used to. It may take you more hours to do the same amount of work. Your condition may have worsened. This requires more documentation than if you were injured in an accident or are suddenly faced with a catastrophic medical diagnosis. Our clients generally do not want to stop working. They make far less money on disability, but they come to a point where they are just unable to perform their job duties any longer.

Establishing the Duties of Your Occupation is a Key Factor in Establishing Why You Cannot Work in Your Own Occupation

Whether you are a physician, dentist, lawyer, business owner, or other professional, Mass Mutual will look at your financial documents to verify your loss. Mass Mutual will look at your state and federal personal and business tax returns. Mass Mutual will review your profit and loss statements. If you are a doctor, they will review your CPT billing codes. Dentists will need to provide their ADA codes. Mass Mutual uses all of this to verify your occupational duties. Mass Mutual wants to know the procedures you were doing and why you can no long do them. They will look at your calendars, and for lawyers, they will look at their docket schedules. Business owners will need to provide their calendars and meeting schedules.

Most Mass Mutual Disability Policies Are Not Subject to ERISA Laws

Most Mass Mutual disability policies are ERISA exempt and covered by standard contract law. This is a benefit for policy holders as Mass Mutual can be sued for breach of contract if they deny your claim for long-term disability benefits and you will be entitled to a jury trial if the claim is denied.

How Can Our Disability Insurance Lawyers Help?

When our disability insurance attorneys at Dell & Schaefer prepare your disability insurance claim, we take charge, and all communications go through us. Mass Mutual will generally ask you to sign releases like a HIPAA release so they can call your doctors directly. We suggest you tell your doctors not to speak to anyone without speaking to you first. We then work with the doctors to guide them through that interview. Mass Mutual will likely want to interview you. This is an important part of having your disability insurance claim approved. Think of this as a job interview where everything you say will be scrutinized. You want to be honest, but you do not want to downplay your medical condition. We will guide you through this interview so you will know what to expect. We offer a free consultation where we first review a copy of your policy, then discuss with you how we think we can help and what our fees or costs will be. If we do not collect benefits for you, you pay us nothing. Our clients are located all over the country, so no matter where you live, we can help. Call us at (888) 699-9438 for more information.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Mass Mutual Appeal Package

We work with you, your doctors, and other experts to submit a very strong Mass Mutual appeal.

Learn more

Sue Mass Mutual

We have filed thousands of disability denial lawsuits in federal Courts nationwide against Mass Mutual.

Learn more

Protect Your Benefits
Get Your Mass Mutual Disability Application Approved
We help claimants throughout the entire application process.

Learn more

Prevent a Mass Mutual Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

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Negotiate a Mass Mutual Lump-Sum Settlement

Our goal is to negotiate the highest possible buyout of your long-term disability policy.

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Mass Mutual Reviews

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Mass Mutual

I would not trust MassMutual in any service they offer 

Reviewed by Madeline on April 16th 2015   Verified Policyholder
I would not recommend MassMutual for any of your insurance needs. I purchased a Disability Income Insurance policy offered by my employer through MassMutual many years ago... read more >
Sent on April 16th 2015 by Attorney Stephen Jessup

Madeline, please note that entitlement to disability benefits is never guaranteed, as such an insurance carrier will review your claim to determine ongoing eligibility.... read more >

Answered Questions by Our Lawyers
Showing 5 of 5 Answered Questions

Q: Mass Mutual Disability Insurance - Own Occupation Rider, for Dentist vs Other insurance Carrier

Answered on April 21st 2023 by Attorney Gregory Dell
A: Jim, Guardian / Berkshire prior to 2021 was one of the best disability companies. They had some management cha... Read More >

Q: I have submitted my application for long term disability to Mass Mutual and I want to know how long it should take them to make a decision?

Answered on January 2nd 2023 by Attorney Steven Dell
A: Dr. Stein. This is a great question and it depends on multiple factors. In most cases Mass Mutual and all of t... Read More >

Q: Can MassMutual deny my claim based on a pre-existing condition?

Answered on January 9th 2018 by Attorney Stephen Jessup
A: Monique, it will depend on the language in the policy as it relates pre-existing conditions. When a claim is f... Read More >

Q: Can MassMutual deny my claim due to an issue not included in my physician's formal diagnosis?

Answered on September 12th 2014 by Attorney Stephen Jessup
A: Jimmy, Unfortunately, Mass Mutual is within their rights to decline to provide insurance coverage as they see ... Read More >

Q: Can I get a lump sum buyout? Should I hire an attorney?

Answered on May 21st 2014 by Attorney Stephen Jessup
A: Skip, Please feel free to contact our office to discuss how we may be able to assist you in securing a lump su... Read More >
Helpful Videos
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Disability Benefit Tips
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Mass Mutual Financial Disability Insurance Claims

In this episode disability insurance attorneys Gregory Dell and Cesar Gavidia of Attorneys De... Read More >

Why does Mass Mutual want to hide its disability insurance claim forms?

Mass Mutual, an insurance company that sells long term disability insurance products, recently hired the international law firm of Shutts &... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concern... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many long term disability claimants don't know about (or expect) from the claims re... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults... Read More >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves th... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny lon... Read More >
Dell Disability Cases
Showing 8 of 375 Dell Disability Cases

Anesthesiologist Approved for Long Term Disability Benfits Plus an Extra 9 Months of Benefits

Our client, an Anesthesiologist, suffered a fall at his home which resulted in rupturing his ... Read More >

Mass Mutual Approves Long Term Disability Benefits For an Oncologist That Suffered Stroke

Our client was a well respected, dedicated Oncologist who had managed his own medical practice for many years. In an area of medicine where th... Read More >

Mass Mutual approves long-term disability benefits of $12,000 a month for a financial advisor suffering from musclar dystrohpy (FSHD)

Our client, a financial advisor, was first diagnosed with fascioscapulohumeral muscular dystrophy (FSHD) in 2002. FSHD is a neuromuscular dise... Read More >

Mass Mutual attempts to deny disability benefits to OBGYN after ten years on claim

Our Client, an OBGYN from New York, suffered significant spinal injuries following a fall from his horse. Total Disability benefits were paid ... Read More >

Seven Surgeries and The Standard Still Denies Long Term Disability Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She ... Read More >

Sun Life Wrongfully Denies Disability After Paying For 23 Months

We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for ma... Read More >
Disability Lawsuit Stories
Showing 8 of 765 Lawsuit Stories

Reliance Standard Disability Denial Upheld Due to Claimant's Lack of Strong Medical Record Support

In the case of Amy Wright v. Reliance Standard Life Insurance Company (Reliance), Plaintiff was the vice-president of... Read More >

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This ca... Read More >

Federal Court Overturns Aetna Denial Of Disability Benefits

In the recent case of Ferrin v. Aetna Life Ins. Co. a federal judge from the Northern District of Illinois determined that Aetna improperly te... Read More >

Court Finds Irregularities in Procter & Gamble Long Term Disability Benefit Denial

In ERISA cases filed in a district court asking for judicial review of a plan administrator's denial of benefits, the court is generally limit... Read More >

Federal Judge Makes Companion Life Insurance Pay Long Term Disability Benefits

Companion Life tried to play games and deny long term disability benefits, but thankfully a New Mexico Federal Judge made them pay disability ... Read More >

NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision

In Darren Mickell v. Bert Bell/Pete Rozelle NFL Players Retirement Plan (Plan), Mickell spent nine years in the NFL as a defensive e... Read More >

Judge Agrees that MetLife's Denial of Long Term Disability Benefits was Reasonable

In Anne Ehlert v. Metropolitan Life Insurance Company (MetLife), Ehlert was a consulting pension actuary for pension plans at Towers Watson.... Read More >

Can Standard Insurance Company’s Failure to Raise an Issue be Considered a Waiver?

The case of Jose Chavez v. Standard Insurance Company has quite a history with the United States District Court for the Northern Dis... Read More >

Reviews from Our Clients

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability lawyers have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance lawyers that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We welcome you to contact any of our attorneys for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 700 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, GoToMeeting sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.